Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2019
In 2019, Citizens Bank & Trust Co. of Blackstone, VA reported 210 mortgage applications totaling $30.2 million, up 12% from 2018. The average application was for $144,000, and applicants reported an average income of $83,366. 82% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Richmond, VA (96), Virginia Beach-Norfolk-Newport News, VA-NC (2) and Rocky Mount, NC (1) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust Co. 126 South Main St. Blackstone, VA 23824 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 210 |
| Total Mortgage Loan Application Amount | $30,240,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $83,366 |
| Highest Applicant Income | $534,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nottoway, Virginia | 40 | $ 4,250,000 | $ 106,250 | $ 64,000 |
| Amelia, Virginia | 19 | $ 3,495,000 | $ 183,947 | $ 76,000 |
| Prince Edward, Virginia | 19 | $ 1,125,000 | $ 59,210 | $ 58,000 |
| Mecklenburg, Virginia | 15 | $ 2,495,000 | $ 166,333 | $ 106,000 |
| Powhatan, Virginia | 15 | $ 2,915,000 | $ 194,333 | $ 129,000 |
| Chesterfield, Virginia | 12 | $ 2,520,000 | $ 210,000 | $ 115,000 |
| Cumberland, Virginia | 12 | $ 1,130,000 | $ 94,166 | $ 59,000 |
| Richmond City, Virginia | 11 | $ 2,005,000 | $ 182,272 | $ 0 |
| Colonial Heights, Virginia | 10 | $ 1,550,000 | $ 155,000 | $ 86,000 |
| Petersburg, Virginia | 9 | $ 795,000 | $ 88,333 | $ 113,000 |
| Lunenburg, Virginia | 8 | $ 520,000 | $ 65,000 | $ 60,000 |
| Prince George, Virginia | 8 | $ 1,970,000 | $ 246,250 | $ 77,000 |
| Brunswick, Virginia | 6 | $ 1,590,000 | $ 265,000 | $ 98,000 |
| Buckingham, Virginia | 4 | $ 500,000 | $ 125,000 | $ 68,000 |
| Hopewell, Virginia | 4 | $ 240,000 | $ 60,000 | $ 44,000 |
| Charlotte, Virginia | 3 | $ 145,000 | $ 48,333 | $ 230,000 |
| Dinwiddie, Virginia | 3 | $ 345,000 | $ 115,000 | $ 44,000 |
| Henrico, Virginia | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Edgecombe, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Caroline, Virginia | 1 | $ 245,000 | $ 245,000 | $ 534,000 |
| Danville, Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Goochland, Virginia | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Hanover, Virginia | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Isle of Wight, Virginia | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Middlesex, Virginia | 1 | $ 535,000 | $ 535,000 | $ 0 |
| New Kent, Virginia | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Surry, Virginia | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Virginia Beach, Virginia | 1 | $ 405,000 | $ 405,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 116 | $18,580,000 | $160,000 | $825,000 | $99,000 | $534,000 |
| Refinancing | 70 | $9,860,000 | $140,000 | $595,000 | $65,000 | $203,000 |
| Home Improvement | 23 | $1,775,000 | $77,000 | $305,000 | $62,000 | $125,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $47,000 | $47,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 124 | $18,320,000 | $147,000 | $825,000 | $83,000 | $534,000 |
| Not applicable | 51 | $8,895,000 | $174,000 | $595,000 | $0 | $0 |
| Black or African American | 26 | $2,380,000 | $91,000 | $265,000 | $81,000 | $230,000 |
| Hispanic | 3 | $145,000 | $48,000 | $65,000 | $43,000 | $70,000 |
| Not Provided | 3 | $215,000 | $71,000 | $85,000 | $52,000 | $74,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $523,000 | $523,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $64,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 209 | $29,935,000 | $143,000 | $825,000 | $83,000 | $534,000 |
| VA-guaranteed (Veterans Administration) | 1 | $305,000 | $305,000 | $305,000 | $77,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 172 | $26,500,000 | $154,000 | $825,000 | $90,000 | $534,000 |
| Application Denied By Financial Institution | 23 | $2,095,000 | $91,000 | $195,000 | $53,000 | $112,000 |
| Application Approved But Not Accepted | 8 | $760,000 | $95,000 | $185,000 | $72,000 | $150,000 |
| Application Withdrawn By Applicant | 7 | $885,000 | $126,000 | $305,000 | $74,000 | $125,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 210 | $30,240,000 | $144,000 | $825,000 | $83,000 | $534,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank & Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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